Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Nov 21, 2018

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Searching for the cheapest car insurance rates for your BMW Z4? Are you drained from not being able to scrape enough together to make your car insurance payment? Your situation is no different than many other consumers.

People have many car insurance companies to choose from, and even though it’s nice to have multiple companies, more options can take longer to find the lowest rates.

You should take the time to take a look at other company’s rates before your policy renews since prices tend to go up over time. Just because you found the lowest price for Z4 coverage a year ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re going to learn the right way to properly buy coverages and cut your premium.

The best way we recommend to compare insurance rates from multiple companies is to realize most of the bigger providers allow for online access to compare rate quotes. All consumers are required to do is provide information including how your vehicles are used, whether you have decent credit, marital status, and what you do for a living. That information is automatically sent to many highly-rated insurers and you should receive rate quotes with very little delay.

Save 15 percent in 15 minutes? Is it for real?

Popular insurance providers such as 21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies advertise claims about how much you will save if you get a free car insurance quote and switch your policy. It sounds good, but how can they all lower your premium rates? Just pay attention to how they say it.

All companies have specific criteria for the type of driver that will most likely be profitable. One example of a desirable risk should be over the age of 40, owns a home, and drives a safe vehicle. Any new insured who fits those characteristics receive the lowest rate quotes and most likely will save money with a new company.

Potential customers who fall short of those criteria will probably have to pay a higher rate and this results in the customer not purchasing. Company advertisements say “people who switch” but not “everyone who gets a quote” will save that much if they switch. That is how insurance companies can advertise the savings. Because every company is different, you really should compare quotes as often as possible. Because without a comparison, you cannot know which company will have better car insurance rates than you’re paying now.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance discounts help reduce rates

Insurance can be prohibitively expensive, but there’s a good chance there are discounts to help offset the cost. Some of these disounts will be visible when you get a quote, but some may not be applied and must be requested specifically prior to getting the savings.

  • ABS Brakes – Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more.
  • Memberships – Belonging to qualifying employment or professional organizations could qualify you for a break on insurance.
  • Pay Now and Pay Less – By making one initial payment rather than spreading payments over time you could save 5% or more.
  • Discount for New Cars – Buying a new car instead of a used car can save you some money because newer models keep occupants safer.
  • No Claim Discounts – Drivers who don’t have accidents can save substantially when compared with policyholders that have many claims.
  • Discounts for Government Workers – Active or retired federal employment could cut as much as 10% off for Z4 coverage with certain companies.
  • Bundle and Save – If you can combine your homeowners and auto policy with one insurance company you could earn a discount of up to 20% and get you inexpensive car insurance.
  • Homeowners Discount – Owning a home can earn you a little savings since owning and maintaining a home demonstrates responsibility.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic.

Companies and some of the discounts are shown below.

  • Travelers discounts include payment discounts, good student, early quote, save driver, driver training, home ownership, and IntelliDrive.
  • 21st Century policyholders can earn discounts including driver training, air bags, student driver, defensive driver, homeowners, 55 and older, and theft prevention.
  • State Farm has discounts for multiple policy, accident-free, good driver, driver’s education, safe vehicle, and multiple autos.
  • GEICO may offer discounts for military active duty, emergency military deployment, defensive driver, federal employee, and driver training.
  • SAFECO may include discounts for anti-theft, homeowner, bundle discounts, teen safe driver, and teen safety rewards.
  • AAA offers premium reductions for good driver, good student, multi-policy, multi-car, education and occupation, pay-in-full, and anti-theft.

Before purchasing a policy, check with every insurance company to apply every possible discount. Some discounts might not be offered in your state. If you would like to see a list of insurance companies with the best insurance discounts, follow this link.

Which is the best car insurance?

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can help discover whether you will benefit from professional help.

  • What can I do if my company won’t pay a claim?
  • Can I rent a car in Mexico?
  • What is medical payments coverage?
  • Is business equipment covered while in my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Is motorclub coverage worth it?
  • Am I missing any policy discounts?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Auto insurance coverages

Understanding the coverages of a car insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages found on most car insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your BMW Z4.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, theft, vandalism and damage from flooding. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage will pay to fix damage to your Z4 from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, hitting a mailbox, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like doctor visits, rehabilitation expenses, surgery and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage


This coverage can cover damage that occurs to people or other property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like loss of income, legal defense fees, court costs and medical services. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Do the work, save more money

While you’re price shopping online, never skimp on coverage in order to save money. There have been many situations where consumers will sacrifice liability coverage limits to discover at claim time that the savings was not a smart move. The proper strategy is to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

We’ve covered many tips how you can shop for 2007 BMW Z4 insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the best price on insurance is with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower prices compared to the large companies like Allstate or State Farm.

Some companies do not offer online quoting and usually these regional insurance providers prefer to sell through local independent agents. Cheap 2007 BMW Z4 insurance can be bought both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates.

More information is available at the links below